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in san francisco. the key thing is hurting the rest. look at the premiums that are being charged. if we can maintain that focus, the risk regiment focus that the fha has taken on, there is an argument to say, let's not over correct in a time when there is no support system coming down the pipe. >> you talk about the importance of having good underwriting standards. one of the other criticisms of fha is that it is a government agency that is not as nimble. long-term, if you have 3% down payment, it is one thing to trust that the lenders to use the program will operate according to the guidelines, but does the institution have the bandwidth to change circumstances? even if it were not as severe as 2006, say we go through a period where congress allows downpayment-funded assistance. how able is the fha to set those proper underwriting standards? >> there is no question that the fha any other agency needs to be more organized than what we have today. fhfa it is 80 years old. it has never required taxpayer money. the fact that we have a 1000- year flat and fha has plans for a 100-year flat,
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